LTV · monthly repayment
▼ 0.50% · 3.625%
HK$70,880
−HK$4,445/mo
▼ 0.25% · 3.875%
HK$73,085
−HK$2,240/mo
Today · 4.125%
HK$75,325
baseline
▲ 0.50% · 4.625%
HK$79,908
+HK$4,583/mo
Deposit HK$15.54M · loan HK$15.54M · min. income ≈ HK$150,650/mo (50% DSR)
Upfront cash ≈ HK$16.86M (deposit + AVD stamp duty HK$1,321,084 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,854
−HK$4,260/mo
▼ 0.25% · 3.875%
HK$80,968
−HK$2,146/mo
Today · 4.125%
HK$83,114
baseline
▲ 0.50% · 4.625%
HK$87,495
+HK$4,381/mo
Deposit HK$15.54M · loan HK$15.54M · min. income ≈ HK$166,228/mo (50% DSR)
Upfront cash ≈ HK$16.86M (deposit + AVD stamp duty HK$1,321,084 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,056
−HK$5,334/mo
▼ 0.25% · 3.875%
HK$87,702
−HK$2,688/mo
Today · 4.125%
HK$90,390
baseline
▲ 0.50% · 4.625%
HK$95,890
+HK$5,500/mo
Deposit HK$12.43M · loan HK$18.65M · min. income ≈ HK$180,780/mo (50% DSR)
Upfront cash ≈ HK$13.75M (deposit + AVD stamp duty HK$1,321,084 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,624
−HK$5,112/mo
▼ 0.25% · 3.875%
HK$97,162
−HK$2,574/mo
Today · 4.125%
HK$99,736
baseline
▲ 0.50% · 4.625%
HK$104,994
+HK$5,258/mo
Deposit HK$12.43M · loan HK$18.65M · min. income ≈ HK$199,472/mo (50% DSR)
Upfront cash ≈ HK$13.75M (deposit + AVD stamp duty HK$1,321,084 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,232
−HK$6,223/mo
▼ 0.25% · 3.875%
HK$102,319
−HK$3,136/mo
Today · 4.125%
HK$105,455
baseline
▲ 0.50% · 4.625%
HK$111,872
+HK$6,417/mo
Deposit HK$9.33M · loan HK$21.76M · min. income ≈ HK$210,910/mo (50% DSR)
Upfront cash ≈ HK$10.65M (deposit + AVD stamp duty HK$1,321,084 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,395
−HK$5,964/mo
▼ 0.25% · 3.875%
HK$113,356
−HK$3,003/mo
Today · 4.125%
HK$116,359
baseline
▲ 0.50% · 4.625%
HK$122,493
+HK$6,134/mo
Deposit HK$9.33M · loan HK$21.76M · min. income ≈ HK$232,718/mo (50% DSR)
Upfront cash ≈ HK$10.65M (deposit + AVD stamp duty HK$1,321,084 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,584
−HK$8,001/mo
▼ 0.25% · 3.875%
HK$131,553
−HK$4,032/mo
Today · 4.125%
HK$135,585
baseline
▲ 0.50% · 4.625%
HK$143,835
+HK$8,250/mo
Deposit HK$3.11M · loan HK$27.98M · min. income ≈ HK$271,170/mo (50% DSR)
Upfront cash ≈ HK$4.43M (deposit + AVD stamp duty HK$1,321,084 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,936
−HK$7,669/mo
▼ 0.25% · 3.875%
HK$145,743
−HK$3,862/mo
Today · 4.125%
HK$149,605
baseline
▲ 0.50% · 4.625%
HK$157,491
+HK$7,886/mo
Deposit HK$3.11M · loan HK$27.98M · min. income ≈ HK$299,210/mo (50% DSR)
Upfront cash ≈ HK$4.43M (deposit + AVD stamp duty HK$1,321,084 · Scale 2, in force from 26 Feb 2026)